Cheaper 2014 Ford Explorer Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford Explorer? No one likes having to buy insurance coverage, particularly when they are paying too much. Because you have many choices of insurance companies, it can be challenging to pick the cheapest provider.

It’s a good idea to check insurance coverage prices on a regular basis because rates are adjusted regularly by insurance companies. Just because you found the best price on Explorer coverage six months ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance coverage online but I’m going to show you some great ways to save money.

Compare Insurance Costs

There are a lot of ways to compare insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each company then gives them pricing determined by their information. This prevents consumers from doing quote requests for every insurance company. To find out how much you’re overpaying now click to open in new window.

The only drawback to doing it this way is that you can’t choose the providers to get pricing from. If you wish to select from a list of companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using identical coverages on every quote you get. If your comparisons have different values for each quote it will be next to impossible to determine the best price for your Ford Explorer.

Can you really save $480 a year?

Drivers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. All the ads make an identical promise that you’ll save big after switching to their company.

How do they all say the same thing?

Different companies can use profiling for the driver they prefer to insure. For example, a preferred risk might be profiled as between 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the requirements will be charged higher premiums and this can result in business not being written. The ads state “customers who switch” not “people who quote” save that much money. That’s why companies can claim big savings. That is why you should compare many company’s rates. It’s not possible to predict which insurance company will have the lowest Ford Explorer insurance rates.

Factors that can influence insurance rates for a Ford Explorer

Smart consumers have a good feel for the factors that play a part in calculating insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are some of the items used by your company to calculate your rates.

  • Optional equipment can affect rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Where you live – Residing in less populated areas can save you money when buying insurance coverage. Lower population translates into fewer accidents as well as less vandalism and auto theft. City drivers tend to have traffic congestion and a longer drive to work. Longer commute distances means more change of being in an accident.
  • Your credit rating is important – Having a bad credit rating is a important factor in your rate calculation. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores. If your credit score can use some improvement, you could save money insuring your 2014 Ford Explorer by spending a little time repairing your credit.
  • Traffic violations increase rates – Drivers with clean records have lower premiums compared to drivers with tickets. Even one ticket may increase your cost twenty percent or more. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.

Don’t miss these discounts

Car insurance companies don’t list every available discount very well, so we break down both the well known and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Student in College – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Explorer coverage with certain companies.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn lower rates on the low mileage vehicles.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.

Drivers should understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that possibly offer these money-saving discounts are:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.

When might I need help?

When it comes to choosing the best insurance coverage coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Am I insured when driving a different vehicle?
  • If my 2014 Ford Explorer is totaled, can I afford another vehicle?
  • At what point should I drop full coverage?
  • How do I insure my teen driver?
  • What is medical payments coverage?
  • Is business property covered if stolen from my car?
  • How high should deductibles be on a 2014 Ford Explorer?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, hitting a bird, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability

Liability insurance will cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like funeral expenses, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, hospital visits, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

Cheap 2014 Ford Explorer insurance is possible on the web and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer online quoting and these smaller companies work with independent agents.

We just showed you a lot of tips how to save on insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

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